Manager, Mortgage Loan Underwriting

Zillow Group Inc.; Bengaluru; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

Zillow Group is seeking an experienced Manager, Mortgage Underwriting to lead a team of underwriters in India. You will drive high-quality credit decisions, ensure compliance with investor, regulatory, and company guidelines, and partner with Mortgage Operations and Sales to streamline processes and borrower experience.

The role emphasizes scalable underwriting standards, data-driven decision making, and cross-functional collaboration to support Zillow’s growth.

Qualifications

• Must have recent conventional and FHA underwriting experience, with additional VA experience preferred.
• Proven ability to manage teams, develop talent, and drive performance.
• Excellent analytical, decision‑making, and problem‑solving skills.

Responsibilities

• Lead a team of mortgage underwriters, setting clear expectations, providing coaching and feedback, and building a culture of accountability, inclusion, and continuous development.
• Oversee complex mortgage underwriting decisions and escalations, applying sound credit judgment and ensuring adherence to investor, regulatory, and internal risk policies.
• Establish, maintain, and refined underwriting standards, workflows, and quality controls to drive consistent credit outcomes, reduce defects, and support operational efficiency.
• Partner cross-functionally with Mortgage Operations, Processing, Closing, Capital Markets, Compliance, and Sales to align underwriting practices with product offerings and service-level commitments.
• Use performance metrics, quality reviews, and pipeline analytics to identify trends, manage capacity, and recommend process and policy improvements.
• Represent underwriting in key initiatives and projects, providing requirements, testing input, and change‑management support for new products, technologies, or regulatory updates.
• Communicate underwriting decisions, policies, and rationale clearly to internal partners, supporting education and enablement for upstream and downstream teams.

Skills

Mortgage underwriting

Credit risk analysis

Regulatory knowledge

Communication skills

Job description

About the team

The Manager, Mortgage Underwriting leads a team of underwriters responsible for assessing mortgage loan risk, ensuring high-quality credit decisions, and maintaining compliance with investor, regulatory, and company guidelines. This role drives consistent underwriting standards, partners closely with Mortgage Operations and Sales, and uses data and feedback to improve processes and support an excellent borrower experience. Zillow Group is a strategic, mission-driven organization focused on delivering exceptional experiences and measurable outcomes. Our work spans cross-functional partnership, scalable programs and operational excellence in support of Zillow’s mission. We bring deep experience working across diverse teams in a dynamic, high-growth environment, balancing strategic thinking with hands‑on execution to drive meaningful business impact. We are seeking an experienced professional to support our workforce expansion in India.

About the role

• Lead a team of mortgage underwriters, setting clear expectations, providing coaching and feedback, and building a culture of accountability, inclusion, and continuous development.
• Oversee complex mortgage underwriting decisions and escalations, applying sound credit judgment and ensuring adherence to investor, regulatory, and internal risk policies.
• Establish, maintain, and refine underwriting standards, workflows, and quality controls to drive consistent credit outcomes, reduce defects, and support operational efficiency.
• Partner cross-functionally with Mortgage Operations, Processing, Closing, Capital Markets, Compliance, and Sales to align underwriting practices with product offerings and service-level commitments.
• Use performance metrics, quality reviews, and pipeline analytics to identify trends, manage capacity, and recommend process and policy improvements.
• Represent underwriting in key initiatives and projects, providing requirements, testing input, and change‑management support for new products, technologies, or regulatory updates.
• Communicate underwriting decisions, policies, and rationale clearly to internal partners, supporting education and enablement for upstream and downstream teams.

This role has been categorized as an Office position. “Office” employees regularly work at the Zillow India office for approximately 80 to 100 percent of their time each month. Employees must live within a reasonable commuting distance of the office. Zillow has not defined a reasonable distance, and expects employees will use judgment in determining this for themselves and understand the implications re: time commitment and cost of daily commute.

Who you are

• 10+ years of experience in mortgage underwriting or closely related mortgage credit/risk roles.
• 2+ years of experience leading or managing underwriting or mortgage operations teams.
• Strong knowledge of underwriting principles, risk assessment, and regulatory requirements.
• Exceptional communication and interpersonal skills, with the ability to interact across departments and levels.

Skills and qualifications

• Must have recent conventional and FHA underwriting experience, with additional VA experience preferred.
• Proven ability to manage teams, develop talent, and drive performance.
• Excellent analytical, decision‑making, and problem‑solving skills.

Get to know us

At Zillow, we’re reimagining how people move—through the real estate market and through their careers. As the most‑visited real estate platform in the U.S., we help people navigate buying, selling, financing and renting with greater ease and confidence. Whether you're working in tech, sales, operations, or design, you’ll be part of a company reshaping an industry and helping more people make home a reality.

Zillow is honored to be recognized among the best workplaces in the U.S. Zillow was named one of FORTUNE 100 Best Companies to Work For® in 2026, and included on TIME’s America’s Best Companies 2026 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow. No matter where you sit in the organization, your work will help drive innovation, support our customers, and move the industry—and your career—forward, together.

Zillow Group is committed to fostering an inclusive, innovative environment and to providing equal employment opportunities. We comply with applicable laws that prohibit discrimination in employment and recruitment. If you have a disability or special need that requires accommodation during the recruitment process, please contact your recruiter directly. Qualified applicants will be considered for employment in accordance with applicable law.

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